By accessing or using our services, you must AGREE to this policy.

The website https://knowcrunch.com (the “Website”) belongs to the company “KNOWCRUNCH INC.”, with its registered seat in Delaware, USA, 2035 Sunset Lake Road, Suite B2, Newark, 19702, (“Company”, “KNOWCRUNCH”, “We”, “Us”).

By using the Website by any means, users (“You”) totally accept these Terms & Conditions (the “Terms”). We kindly request you to read these Terms carefully. The Terms constitute a legally binding agreement (the “Agreement”) between you and the Company. They apply just as if they had been made and executed in writing. If you do not agree to these Terms, you should not use the Website.

You must be eighteen years old or over to accept these Terms. By agreeing to these Terms, you represent and warrant that you have the capacity to enter into this Agreement and that you abide by all of the Terms of the Agreement.

Intellectual property rights

Website content

All Website material, including, but not limited to design, text, images, layout, data, articles, graphics, logos, images, software, course materials and the entire content of the Website is owned, controlled by, licensed to, or used with permission by Company and is protected by copyright, trademark, and other intellectual property rights. You agree that any content of the Website, as described above, shall not be, inter alia, copied, reproduced, modified, recorded, published, distributed or exploited by any means. You are not authorized to modify, adapt, disassemble, or decompile the Website’s software by any means.

Course content

In particular, as regards course materials and any downloadable content of the Website, including but not limited to presentations, lectures, lecture notes, texts, materials, syllabi, study guides, bibliographies, diagrams, images, videos, multimedia presentations, files or any possible combination thereof, the Company grants you a personal, non-transferable, fee-based and time-limited access license. Access to such materials is strictly limited to the duration of the relevant course and expires automatically upon the course’s completion, without any right of continued access, download, or use thereafter.

You agree that information provided on or downloaded from this Website will be used solely for your own personal, non-commercial use and benefit, and this information is not to be recorded, saved, distributed, sold, transferred or otherwise made available to third parties (such as your friends or colleagues) without the Company’s prior written permission.

You may not copy, recompile or create derivative works from the information provided on this website. Access to these materials shall not, in any event, entail transfer or licensing of intellectual property rights ot anybody else.

Copyright violation

Effective immediately, Company reserves the right to terminate access to any account that violates our terms and conditions regarding the use of course materials. This includes but is not limited to unauthorized sharing, distribution, copying, or any commercial use of our materials without prior written permission.

Trademarks

Knowcrunch® is a registered trademark of the Company. All trademarks, brand names, and logos appearing on the Website are Company’s and third parties registered trademarks and they enjoy full protection under the applicable laws. Unauthorized use of Knowcrunch® or any other trademarks appearing on the Website is strictly prohibited.

We may use the logo of your business or the company you work for on our website, on our social media pages and on our advertising campaigns. The purpose of such processing is to build trust and credibility for Company’s services and promote our services. If you do not wish or do not have the authorization for us to use the logo of the company for which you are employed, please notify us and we will promptly remove it.

Violation of the terms of this Article by any means shall draw the subsequent penalties and liability foreseen by applicable laws. Company reserves the right to terminate these Terms and deny you access to all the materials of this Website in case of suspicion of a violation or an actual violation of this Article’s terms.

Processing of personal data

The processing of personal data is carried out in accordance with our Data Privacy Notice and Cookies Policy.

Enrolment

The Website offers online registration to courses delivered in a classroom and courses delivered 100% online via video on demand e-learning.

If you wish to purchase a course, you must fill in the personal, billing, and payment information of the participant(s). By placing your order (“ENROLL NOW”) and submitting your registration request, you give an indication of wishes to enter into a binding contract with us.

License

When you purchase a course, we grant you a time-limited, non-transferable, access license to all course materials.

Account

Once you enroll, you automatically create a personal account (the “Account”) and you can log-in by entering your e-mail and password. Once you enroll in our e-learning courses time starts counting (in case you have a limited time/period access). You are personally and solely liable for all actions taking place via your Account and for your proper log-out after the end of each use. You shall immediately inform Company in case you become aware of any unauthorized use of your Account or any possible security violation. Company shall not be held liable for any damage caused to users who fail to comply with the present condition or users who can not complete the courses on time.

Contract information

We provide you with clear, correct and understandable information about our courses before you conclude the transaction (e.g., nature of the course, dates, duration, benefits, syllabus, instructors, accreditation etc.) and the enrollment fees.

Enrolment fees

Fees are subject to regular review and change. In case of any change, the new fee does not have a retroactive effect for previous orders before this change. Fees and other amounts payable are published separately for each course and the most recently published pricing is payable by all attendants. Prices for all different enrollments are inclusive of all fees and applicable taxes.

Payment methods

You can pay by SEPA direct debit, credit card or debit card or Google Pay/Apple pay. You will be asked to fill in your card number, expiration date and security code (CVC). Company does not keep or store card information details for maximum security.

If you chose to pay by SEPA direct debit, by providing your IBAN and confirming this payment, you authorise (A) KNOWCRUNCH INC and Stripe, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with those instructions. By providing your IBAN and confirming this payment, you authorise Knowcrunch and Stripe, our payment service provider, to send instructions to your bank to debit your account and your bank to debit your account in accordance with those instructions. You are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited.

The SEPA direct debit process includes several steps that can take up to 20 days, such as verifying your payment method, checking for fraud, and ensuring the payment is authorized by the issuing bank. Once these checks are completed, and the payment is successfully processed, the funds are then released to us and only then we aproove your enrollment to our courses and your access is granted.

Payment by installments

In some cases payment can take place by installments. Please note that you will be charged the 1st installment the moment you register or enroll and the next installment takes place one (1) month after the first .

Payment processing & encryption

All payments made by card are processed through electronic payment platforms such as Stripe (PCI Service Provider Level 1). Stripe uses TLS and encryption protocol on a Secure Sockets Layer - SSL. Encryption is a way of coding the information until it reaches its recipient, who will be able to decode it using the appropriate key. Thus, this means your data and transactions are absolutely safe.

Cancellation and refund policy

Refunds for classroom courses

You have the right to withdraw from an in-class course contract within fourteen (14) days (“Cooling off period”) before the course without any justification. If you cancel a classroom course within the above period, we will provide 100% refund.

If you cancel an in-class course after the Cooling off period, or after the course starts, you will NOT be eligible for any full or partial refund and you must complete all of your outstanding payments or installments.

If no payment on time

Please note that if you are paying by installments and we receive no payment on time, your account's or course's access will automatically be cancelled and you will not be able to access the course. We possess every legal entitlement to request the outstanding installments that you owe should you choose to cancel your registration.

No refunds for e-learning courses

The applicable consumer protection law provides for an exception to the above right of withdrawal regarding digital content. Due to the nature of the online courses (digital content) the cooling off period, expires 14 days after the conclusion of the purchase OR when you gain access to the content for the first time, whichever is sooner. “Gaining access to the content” shall mean the moment you login and have access to the course materials. Before you gain access, you acknowledge and consent that you lose the right to withdraw from the contract.

Therefore, payment refunds are NOT allowed for e-learning courses, unless you do not access our course materials at all. After login you automatically use our services and cannot cancel. The amounts or installments paid for these courses will not be refunded in case the applicant cancels an enrollment. We possess every legal entitlement to request the outstanding installments that you owe should you choose to cancel your registration.

Transfer policy

The transfer of students from an e-learning video-on-demand course to a classroom course is not allowed. The transfer of students from a classroom course to an e-learning video-on-demand course is not allowed. If a student has reserved a spot in a classroom course and wishes to transfer to another course, they must pay separately for both the original course and the new one.

Each video on-demand e-learning course is for one user only. It cannot be shared or given to another person. Once the first user starts watching any part of the course, the access cannot be moved or reassigned to anyone else.

Subscription plans

Knowcrunch offers annual subscription plans that grant access to one or multiple courses, depending on the selected plan. By enrolling in a subscription plan, you agree to the following terms:

Plan is a binding contract

Subscribing to a plan constitutes a binding contract between you and Knowcrunch, governed by these Terms & Conditions.

Plan's automated payments

Your subscription is subject to automatic renewal, meaning that at the end of each billing period, the subscription fee will be automatically charged to your chosen payment method.

Plan's cancellation policy

You have the right to cancel your subscription at any time; however, to avoid automatic billing for the next period, you must cancel before the end of the current subscription period. Failure to do so will result in automatic renewal, and the corresponding fee will be charged.

Plan's non-refundable payments

Subscription fees are non-refundable, even if you do not use the courses during the subscription period.

Plan modifications

Knowcrunch reserves the right to modify the pricing, content, or structure of subscription plans at any time. Any changes will take effect in the next billing cycle, and you will be notified in advance.

Plan termination by Knowcrunch

Knowcrunch may terminate your subscription and access to courses if there is a breach of the Terms & Conditions, fraudulent activity, or other violations. By subscribing, you confirm that you understand and accept these terms, including automated billing unless canceled before the renewal date.

How to exercise the right of withdrawal

To exercise the right of withdrawal, you must inform us of your decision to withdraw from this contract by an unequivocal statement. You may inform us in the contact form of an unambiguous statement.

Certifications recognition & validation

Successful graduates

Students who successfully complete a course, pass the exams and graduate receive an official and recognizable professional diploma. This certification is trusted by major agencies and the international industry. When you are certified by us, your customers, co-workers and partners are assured that you are committed to staying at the top of your market as a professional.

Non-successful graduates or no exams

Students who do not pass the exams or completed 100% of a course without exams receive a certificate of completion.

Certifications validation

Valid certifications consist of:

Degree description
Graduate name & last-name
Credential ID (for confirmation purposes) or a link to the certification provided by Knowcrunch
Issue date

Certifications are valid only after a graduation ceremony or/and when downloaded from our website in your account. We do not send hard-copy of certifications by snail mail to your physical address.

No warranty, restriction of liability

The content of the Website is offered ‘as is’, with no guarantee, explicit or implied, of any kind in relation to its commercial use or its suitability for any specific purpose. No explicit guarantee is given that the pages, services, features, options and contents of the Website will be provided without interruption or errors, or that any errors will be corrected. Despite our efforts, there is no guarantee that the Website does not contain any harmful content.

Given the nature and volume of the information on the Internet, under no circumstances, including that of negligence, shall we or our representatives be held liable for any form of loss or damage sustained by the user of the services, options and content of the Website, use of which he/she makes entirely and solely at his/her own initiative and responsibility.

Although we aim to meet the highest industry standards through our services, neither we nor our partners shall be held liable for any inaccuracy or misleading information provided on our Website or course materials. Company shall not be held liable and is not bound by erroneous data entries to its Website.

Links

Linking to this website

You may link to content in this Website for informational purposes only as long as you agree to:

Use a textual URL to link to our content which should be 'FOLLOW' by search engines bot.
Not use our logo without prior written consent.
Not frame or use any framing techniques to enclose any of our content on your website.
Not imply our affiliation or endorsement of your product or service without prior written consent.
We reserve the right to request the removal of any links from your site. All such requests must be granted immediately.

Links to other sites

The materials and data provided through this Website are intended for general informational purposes only. Official partners, affiliates, sponsors, for our events or courses are visible on this Website. We do not guarantee the accuracy, timeliness or continued availability of any information on non-affiliated websites accessed via hyperlinks to or via this website. Moreover, providing such hyperlinks does not imply sponsorship or approval of those websites by us. When you access one of these sites, you are leaving the Website.

Conduct, suspension, and termination policy

The Company reserves the right to suspend, restrict, or permanently terminate any user's account or access to our website, mobile app, services, or classes or programs if their behavior is deemed disruptive, abusive, unethical, or damaging to the learning environment, other users, our staff, or our reputation. This includes, but is not limited to, harassment, hate speech, academic dishonesty, repeated violations of guidelines, or any conduct that interferes with the educational experience or operational integrity of our services. Furthermore, termination or suspension may occur if there is suspicion or evidence of:

Violation or breach of our Terms and Conditions
Conflict of interest
Copyright infringement
Behavior disruptive to the learning environment, such as insulting others, obstructing proper training, or negatively affecting class dynamics
Violation of applicable laws or regulations

Such action may be taken at the Company’s sole discretion, with or without cause, and without prior notice or liability. In all such cases, no refunds, partial or full, will be issued, and the Company reserves the right to pursue legal action or claim compensation for any damages caused by the user's actions.

Indemnification

You are liable towards us and our partners for any damage caused as a result of illegal or harmful use of the Website from your side, as well as for the illicit use of the services provided by the Website or any use in a manner that does not comply with the present Terms.

You agree to indemnify Company against all damages, losses, costs and expenses, including legal fees, arising out of any breach of these Terms by you or other liabilities arising out of the Website’s use.

Artificial intelligence use within the services

Use of artificial intelligence systems

The Services may include features supported by Artificial Intelligence systems. These systems may generate content or provide automated assistance. Users will be informed whenever they interact directly with an AI system unless such interaction is evident from the context.

Human oversight of AI features

All AI enabled features within the Services operate under human oversight. Qualified personnel supervise the functioning of AI systems and may intervene whenever necessary. Users may request human review of any AI generated output that has a meaningful effect on their use of the Services.

Accuracy and limitations of AI generated output

AI generated output may contain inaccuracies or incomplete information. Users acknowledge that AI generated content is provided for support purposes and should not be regarded as definitive, authoritative or error-free. The Company does not guarantee the accuracy or reliability of any AI generated material.

User responsibility for input provided to AI systems

Users remain responsible for the accuracy and legality of any information or content they submit that may be processed by AI systems. The operation of certain AI features relies on user-provided input, and the Company assumes no liability for inaccurate or unlawful data supplied by Users.

Disclosure of AI generated or AI modified content

Whenever the Services display content that is produced or significantly modified by Artificial Intelligence, the Company will identify such content as AI generated or AI modified whenever required by applicable law. This may include text, audio, image or other synthetic content.

Suspension of AI system use

The Company may suspend or disable any AI enabled feature if an anomaly, malfunction or risk is detected. Suspension may occur when system behaviour could negatively impact Users or compromise safety or compliance. The Company may modify or replace AI features at any time for operational or regulatory reasons.

Monitoring and record keeping for AI features

The Company maintains internal operational records necessary to monitor the performance and safety of AI enabled features. These records are used solely to ensure proper functioning of the systems and to support compliance with applicable obligations under the EU AI Act.

Amendment of terms & conditions

Company reserves the right to modify at any time the contents and scope of these Terms even without notice. For this reason, we encourage you to visit this page from time to time to get informed of any changes. In the event of any subsequent amendment of the Terms, if you use the Website at a future date, this shall imply that you accept the new Terms.

Applicable law and jurisdiction

The above Terms and any amendment thereof are governed and shall be construed under and in accordance with the European Union law and international conventions.

Any action arising out of or pertaining to these Terms shall be initiated and maintained in the courts of Athens, Greece.

Contact us

If you have any questions about our terms & conditions, the practices of your dealings with us, please just send us an email or contact us: KNOWCRUNCH INC, 651 N. BROAD ST. SUITE 206, MIDDLETOWN, DE 19709, USA.

Terms & conditions

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